Additionally, there are perks like fuel surcharge waivers and discounts on your restaurant visits that save you more money than you can imagine. The Bajaj Finserv RBL Bank SuperCard claims that you can make savings of up to Rs. 55,000 if you put the credit card to optimal use.
However, it is crucial to understand the specialization of a credit card before you subscribe to it. For instance, if you are more interested in saving on your shopping, go for the best rewards credit card. India has seen a surge in demand for co-branded credit cards that one could use to obtain impressive discounts on e-commerce sites.
You can now apply for a free credit card online at a 100% success rate without worrying about the approval of your application. Notably, free credit cards do not offer you an impressive credit limit that caters to diverse needs. If you aspire to own a credit card that can pull you out of a financial rut, you must invest in one that promises to deliver. Having a good credit card is more about nurturing the card than hoping your credit score will magically improve.
What are the different types of Credit Cards?
This question is of primary importance before you apply for your free credit card. Let us look at the various categories of cards and the benefits that you can reap from them.
- Cashback Cards: When you are researching the best cashback cards, you are actually searching for the best rewards credit card. India does not have a shortage of investment in the banking sector, giving rise to co-branded credit cards that promise rewards and cashback on every purchase. The SBI Card Prime or the ICICI Bank Coral Credit Card could be good choices in this category.
- Balance Transfer Credit Cards: These are the credit cards that you opt for when you think your current financier is charging way too much interest. However, before you take an impulsive decision, calculate how much you will actually save if you opt for a balance transfer. There are these zero APR credit cards that charge zero interest through their promotional period. That sounds like a lucrative deal, but you must consider what time remains of your repayment tenor. This calculation helps you understand whether you will be able to afford the interest rates charged. By your new financier once the promotional period is over. The Bajaj Finserv RBL Bank SuperCard proves to be an amazing card in this category and you can apply for it online.
- Travel Credit Cards: These cards do not come free as air travel is expensive and an annual fee helps shape a sustainable business model. You can turn your travel credit card into the best rewards credit card. Indians have several great domestic lounges to which you get a free pass up to 4 times a year. With premium cards, you even get access to international lounges. Notable cards in this category are the Club Vistara SBI Card and the Citi PremierMiles Card.
- Fuel Credit Cards: These cards help you save money on fuel surcharge and are highly beneficial if you have a private vehicle. Most credit cards offer a 1% waiver. And your savings depend on the amount of money you spend on fuel every month. Important cards in this category include ICICI Bank Rubyx Credit Card and the HDFC Regalia Card.
Apply Online and Get Your Credit Card Approved
Since credit cards are in high demand, the process of issuing credit cards has gone online. You can easily log on to the concerned issuer’s website and find out your pre-approved credit limit. This limit varies depending on your credit score. If you are satisfied with the credit limit, you can apply online by filling. In simple details or requesting a callback. If it is a basic credit card you are applying for. It does not take more than regular KYC documents to get the card approved and activated instantly.
However, things get a bit trickier if you want a specialized credit card with higher credit limits rather than a free credit card. In such cases, consultation with the issuer is the best way you can initially deal with this. Regular correspondence with the officials and updating them on your current financial status can make the process smoother.
Apply for a good credit card like the Bajaj Finserv RBL Bank SuperCard. Today and access the privileges offered by it. Make sure you research enough and choose the card most suitable for your requirements.